Five changes you can make to your office that will save you money

Home improvements are a great way to add value to your house, and if you make the right improvements with care and use quality products you can set yourself up to make serious savings on the running costs of your home for the rest of its life. Employ the 4 improvements outlined below to make your home instantly more economical.

save money uk

Place photovoltaic panels on the roof .

You might think you need to live close to the equator to get any real benefit from this technology, but thanks to modern improvements in the design you can get significant solar gains from the overall sunlight provided during even an overcast day. Depending on how much space you have available you can make a larger initial investment to cover your entire roof and even surrounding land in these panels to generate a serious amount of electricity -this can be sold back to the grid and becomes an autopilot money maker for you every day of the year.

Integrate allotment space into your office.

Even if you haven’t got a large corporate garden to turn in to your own miniature farm you can get creative with your existing space to begin a home grown grown organic vegetable project. Some forward planning with your planting cycle and picking a few strategic sun spots in your house can result in an impressive annual yield from your modest plots for your lunch, at a considerably less cost than what you’ll find  in the supermarkets.

Improve your loft, wall and window insulation.

There are many private companies who will come to your office building and examine it’s current thermal performance. They will then provide recommendations for the most efficient way to add insulation and / or new higher grade windows to your house to make it more thermally efficient. It’s also often possible to receive a grant from the government if you are spending the money on improving the ‘U value’ rating of your property due to the long term beneficial relief this provides to the current energy demand.

Install a grey water collection system.

This is particularly useful if you live in a part of the world that applies water charges, suffers from droughts or some form of water restrictions, however it’s a useful feature for any building regardless of location. They are simple to install and provide you with your own personal reservoir that you can use for a multitude of tasks from flushing the toilet to watering your office plants.

Reorganise your furniture and interior decorating to maximise natural light.

People often underestimate the effect their interior decoration can have on the efficiency of a window. Obstructive furniture can severely limit the level of light reaching into your work spaces, while dark paint colours and carpet create poor reflective surfaces limiting the light’s ability to bounce further into the room. The result is usually relying on artificial light which not only costs you money but also doesn’t provide any of the vitamin D enriching benefit of normal sunlight. Re-examining your primary working spaces from a ‘light efficiency’ perspective will allow you to make some strategic interior amendments that will end up reducing your electricity bill in the long run.

In Renewed Praise of Payday Loans

We had to come back and say it — payday loans are really not as bad as people make them out to be. You might think that it’s impossible to get financing right now because your credit just isn’t the best. However, you might be reading about how payday loans are just not the best approach to your problem. The thing that most of the media misses when it comes to payday loans is that it’s designed to be a very short term solution to the problem. Sure, you don’t want to get into trouble with payday loans, but you can’t just assume you’re going to be responsible. After all, would you want to go down to the dealership and be turned away from even owning a car (even if you had the money for it outright) because you might be irresponsible? Having a car is a serious responsibility, as you will need to make sure that you aren’t mowing people down. You still have to think about your credit. You don’t want to end up leaving good money on the table that could otherwise help you out.

There are a few things that you will need to keep in mind when it comes to payday loans, and we really wanted to make sure we covered all of them.

First and foremost, you need to understand that this is still a loan. You could put yourself in big trouble in terms of fees if you try to ignore this. Payday loans have to be paid off over time, and you will need to stick to the schedule. If something comes up, don’t try to hide from anyone. That’s only going to make life a lot hard for you than it really should be. You are a lot better off making sure that you focus on the bigger picture and come clean with anyone that’s asking about your personal information from a legal and financial standpoint. For example, just because you might be able to “trick” a traditional lender into giving you a loan doesn’t mean that you should. Fraud is a scary thing that can put you in jail for a very long time. Who really wants to end up going to jail? Definitely not us!

Praise of Payday Loans

Another point here is that traditional financing takes a very long time. Payday loans can be funded within a few hours or even the next day in case of a delay in processing. Either way, that’s money when you need it rather than feeling like it’s completely out of your reach. That’s something that you will need to really make sure that you correct as soon as possible.

Chances are good that if you could avoid taking out loans, you would. But what choice do you have when you know that you don’t have enough money to cover the bills and other obligations that are coming up in your life? If your next payday is going to be a week or so away, you need money now to hold you over until you can get your paycheck.

Keep in mind also that no payday loan company is going to let you borrow your entire payday check — but they will let you borrow a significant amount. It’s based on your income and employment history as well. Be sure that you apply online for the fastest processing times — that’s the real way to get things done. Good luck!

Payday Loans Help You Get Your Holiday Dreams Off the Ground

As temperatures slowly begin to rise, one thing is on our mind: getting away from it all! As much as we love our families and our careers, it’s time to escape from home and explore the big world around us. There’s nothing like being able to look back on a life well lived. Can you really say that with just a big career to keep you company? Not at all. It’s all about sharing life with people that matter to you. If not for people, what would life really mean?

Payday loans can be used to help fund your holiday getaway, even though people don’t really think of it. The payday loan as you know it has undergone a wide number of changes. The rise of the internet has really made payday loans competitive. You can apply for a loan and be approved within minutes, and the money pushed to your account within hours. That’s something that should take your breath away. There’s no more wheeling and dealing with banks, no more begging and pleading. Everything is completely up to you.

Everything is in your hands. Everything can be handled by you… if you wish to handle it, that is. You just need to make sure that you’re focusing on the bigger picture here. Instead of trying to drive around to different banks, skip them entirely. By the time they finally dig through every single item of detail about you, you still could be denied the loan that you’re seeking. That’s bad news for someone that really wants to make sure that they can take care of their family. That’s really bad news for someone that wants to make sure that they can actually provide a quality experience away from home. Every little bit of money added to your holiday account allows you to get away at the last minute, go somewhere nice, and just relax.

Payday Loans

If there’s one thing in life that’ll hurt you, it has to be stress. We stress so much about everything that it’s really hard for us to focus on anything else. We’re so busy getting upset at the way people view us that we have to remember that life isn’t about them. It’s about us, our experiences, our hopes, and our dreams. You will find that when you use payday loans, you really have the power to use the money for anything that you really want. If you want to spend it on the perfect vacation excursion, then you can do that. All you need to remember is that you must make sure that you pay the money back on time. Yes, the payday loan company can work with you but it’s better to save the money on fees and just pay things back on time. That’s a better approach in anybody’s book. Good luck!

Payday Loans Are Still Worth Looking Into!

One of the hardest things we have to face is dealing with debt. We need extra money, but where on earth are we going to get it? In this trouble economy, the role of family and friends has been diminished. In better financial times, your friends and family probably had no problem giving you money for the things that you really needed. They had plenty of money and they weren’t worried about losing their jobs. This means that everything could just move along smoothly, and you would get back on your feet. Yet today is a different day — much different. What you have to think about now is actually making sure that you’re going with the solution that’s right for you.

Sure, that might mean going with payday loans. The media would like to assume that everyone has this amazing access to credit, but is that really the case? Not at all. You have to realize that you are the only one that’s going to save you. You can no longer count on some sort of safety net. Even when things get rough, you have to hold onto the concept of self reliance. This is much more difficult than it sounds at first, but it’s always worth doing.

The thing about payday loans that attracts so much attention is that you can literally use the money for any purpose. After all, it’s your money… you’re just having a lender give you access to it a little earlier than what your payday would normally be. We think that payday loans are a good fit for the right set of reasons.

Payday Loans

What do we mean by that? Obviously, if you’re trying to go on holiday and you need money, there are better avenues than payday loans. But if you find that you have a mountain of car repairs that need to get done, you really owe it to yourself to get a good mechanic working on your vehicle right away. If you don’t, you’re bound to have bigger problems along the way if you don’t do it quickly.

Yes, we have to be honest — the interest rate is much higher. The truth of this is that you just can’t get around the interest rate. However, there is a way to make sure that you don’t get too out of hand — pay it off as soon as possible. This will make sure that you don’t incur any extra fees. When you’re running out of time, you have to make sure that you are always looking at getting things under control as soon as possible.

Instead of asking what the cost of payday loans is like, ask yourself what the cost of inaction is like for your personal situation. What will happen if you don’t come up with the money? What will happen if you lose sight of your own financial goals? What will happen if you can’t manage to get what you need, when you need it? You’ll find that the cost of failure is much, much more than the cost of payday loan.

Keep that in mind as you figure out which direction to take. Good luck!

Reasons why investing in a personal computer actually saves you money

This article has been provided by Mr. Todd McCullough who writes articles that are designed to help and inform people about their finances and money saving on behalf of the financing and loan website known as Wonga.

It’s never been cheaper than right now to get your hands on a decent machine. With the release of the chromebook it’s now possible for basically everyone in any income bracket to afford a computer capable of browsing the great wide web. These entry level machines can often be a great way to introduce the young and elderly to new computer technology – but if they’re still on the fence about how awesome a personal computer can be then let them read this post.! For the cost of a monthly internet connection (which you can get for a very reasonable price these days) there are countless opportunities for you to utilise your PC to save money you’d otherwise be throwing down the drain, check out the money saving ideas below:

Talk to people over web cam anywhere in the world for free.

Google search a program known as ‘Skype’ and proceed to enjoy free video phone calls to your friends and loved ones who are also using Skype. It’s free to download for private use – and the costs are pretty reasonable if you intend to use it for large commercial communications too. This option becomes a massive money saver if you happen to have a network of contacts you like to keep in contact with all over the world as it remains free to call your friends regardless of whether they live down the road from you or on the other side of the globe.

money saving uk

Free messages to mobile phones.

Continuing the theme of free communication – there are hundreds of websites strewn across the web that provide you with a free service to contact mobile phones with text messages. All you have to do is type in your message with your keyboard and enter the number of the phone you wish to contact. This is particularly handy for keeping in contact with friends and family who do not own / are not near their own personal computer.

Virtually limitless entertainment.

Millions of websites are designed simply to entertain you for free. This can take the form of free to play games, free videos, films and TV shows to watch and of course huge forums and resources for you to converse with other people and learn about anything and everything you desire. We have never been more connected to such a vast amount of information – the possibilities for enriching your mind are endless!

The PC is a tool to actually make money with!

Sure the PC grants you access to the internet which can save you money in the ways we’ve looked at above. But you can take this to the next level and actually use your PC to start earning some money online from the comfort of your armchair! There are many freelance websites where you can easily advertise yourself as anything you want – proof reader, copywriter and graphic designer are all pretty common examples of freelancer positions but the potential expands far beyond these roles. The key is to offer something you can do excellently at a professional level. Make it interesting and make yourself accessible and eager to work – you will soon find your reputation and trustworthiness growing and with it the amount of work you’re winning from clients!

Yes, It’s True – You Can Spend Payday Loans Any Way You Like

Trying to get the real scoop on payday loans is very difficult. Just when you think that you have them under control, somebody else thinks that they can scare people away from them. Let’s face it folks — nobody really wants to take out a loan. If you had the full amount of money you needed sitting in your bank account right now, chances are good that you wouldn’t take it out. You wouldn’t play with it. You would just let it be used for the things that you need it to without taking out a loan. But the world is uncertain, and anything can happen to anyone. When you’re in a really bad bind and the time is cheating up, it’s time to step back and reflect on your options. You always have options, believe it or not. Failure is an option, but it’s not one that most of us are willing to take. You have to be willing to step forward and take a little risk. If you do, then there’s a lot of reward waiting for you. This is the same case with payday loans. Sure, they are a lot more expensive than traditional loans, but they’re going to be there for you when traditional loans just won’t be there. They’re going to take care of you when you know that you’re not going to be able to get the money from anyone else. A lot of personal finance guides say that it’s better to turn to family or friends.

First and foremost, you should never borrow money from friends. Money has a tendency to divide people that aren’t ready to handle money. If you trust in your friends, and they trust in you, that’s one thing…but should you risk it? Not at all. Not when a day late could mean the end of your friendship. People realize that money has power, and they want to use their money for their own interests. You will not find friends that just want to turn over money at the drop of a hat to you. If you find that you have to ask your friends too many times for money, they’re not going to want to work with you. They’re going to get frustrated with you. It would be better to make sure that you’re thinking carefully of exactly the life that you want to have. Can you get over this temporary hump with the payday loan and then work on fixing things? Absolutely.

Spend Payday Loans

Payday loans are powerful because they really can be used for anything that you want. If you want to get a payday loan to finally replace that old computer your grandmother left behind, you can really do that. There’s no authority that’s going to get upset because you didn’t use the funds on something important. If the new computer is what you need to refresh your job skills, then it’s safe to say the computer is pretty important. You cannot trust your financial future to family and friends. You cannot wait on the banks to grant you a loan. That could take weeks — what if you only had a few days? You have to make sure that you can take action everywhere you turn for best results. That’s just the way it is.

Good luck with your plans and remember — payday loans are best when they’re received online. It’s a faster approval time and it’s 100% confidential, so nobody will have to know where you got the sudden influx of cash from at all! Good luck!

Managing Your debts

With the economy so difficult at the moment there are many more people finding that they are getting in to debt. Knowing how to manage debts can be difficult, especially as it is something that many of us are not taught.

If you have any debts, then you should always be thinking of ways to reduce them. They can drain you of a lot of money and the sooner they are paid off the better. This is where good debt management can be extremely useful.

The first thing that you need to do is to find out exactly how much you owe and who to. Make a list of your debts and then find out how much interest and the fees that you are paying on each one. Look at these charges and work out which one is costing you the most. This is the one that you need to concentrate paying off first. Pay the minimum you have to pay off all of them each month, but pay of extra from the most expensive one. Then once this is paid off, work on the next most expensive and so on, until they are all paid off.

Managing Your debts

Of course, it is not as simple as it sounds because you need to have spare money to be able to pay it off. It is a good idea to use savings to do this, because the debts will cost you more money than you will gain in savings. It is also worth looking at your monthly expenditure and working out how much you can cut down what you spend each month. Anything unnecessary can be cut out and you can try to lower your regular bills as well.

It is also a good idea to see whether you can earn more as well, by doing extra hours at work, changing jobs to a better paid one, getting a second job or selling things to make some money.

Some people find that they owe so much that they cannot afford to even make the minimum payments each month. If this is the case with you and you have done everything you can to reduce what you spend and increase what you earn then debt consolidation could be worthwhile. This will combine all debts and allow you to pay them off over a longer term in smaller amounts. It can be dearer but is more manageable, but you need to make sure you do not get tempted to build up more debt until you have paid off what you owe.

Who Should make a PPI Claim

It is a good idea for anyone who has been miss sold PPI to make a claim. There may be things that have put you off thinking about PPI claims, such as persistent calls from PPI claims companies or media reports. However, you really should try to get back the money that is rightfully yours.

You can make a PPI claim yourself or use a company to do it for you and so if you do not want to pay anyone else, then you can do the work yourself and if you do not want to do the work, then you can ask someone to do it for you. It is great to be able to have the choice.

You may not know whether you have been paying PPI and whether it was miss sold, but talking to a PPI claims company should help you with this. You will be able to find out what to do to discover whether you are paying PPI or did in the past. You will be able to get an understanding of under what circumstances you can make a claim and then work out whether you could do this.

miss sold PPI

It doesn’t matter whether your claim would be a lot or a little, you should make a claim. You will get back the money that you should not have paid out in the first place and this is important. Even if that money is not that much to you, it is rightfully yours and also the lender should not be allowed to keep it. Why should they add to their wealth with your money? In some circumstances the money can be a very significant sum and so is very much worth claiming back. It all depends on how many PPI policies you had or have and how much you have paid for each one and how long for.

So everyone who was miss sold PPI should make a claim. If you are not sure whether it was miss sold to you or not, or even if you have PPI, then look in to it as you could get back money that you should never have paid out in the first place. It should not take too much time to make the necessary investigations and it could end up in you having a significant lump sum of money as well as taking back what is rightfully yours.

Top Reasons Why You Should Consider a Payday Loan

Payday loans are something that you should consider because they provide you with reliable short-term cash when it’s most needed. If you are struggling with debt, credit card expenses, or other personal financial obligations, payday loans offer a reasonable solution so that you can get yourself out of debt and back on your feet. Financial situations can be very difficult to struggle with. If you are having a hard time paying your bills, paying your rent or mortgage, or keeping on top of other payments, then payday loans can help you balance out your budget so that you can easily manage your finances.

#1 – A payday loan allows you to start fresh with your finances

Payday loans give you a fresh start, so that your budget will be completely balanced and manageable. This is definitely something that you need to take into consideration. Being able to balance out your budget is something that very few people can never accomplish. Once you have used the payday loan to pay off all of your debts and financial obligations, you get to start fresh and be debt free. Of course, you will have to repay the payday loan, but you can use your next check from work to afford this.

Consider a Payday Loan

#2 – Payday loan give you the money you need for whatever you need it for

Payday loan companies care very little about what you are actually going to use the money for. You can use it for any financial reason you have. This could be personal debt, financial obligations to a friend, or bills that you owe to companies. It doesn’t matter what exactly you are going to be paying off with the loan, the payday loan company just requires that you start to pay it off within a reasonable timeframe. You will have about 3 to 4 weeks after you receive the loan before you have to start making payments.

#3 – Payday loans provide a reliable interest rate

A lot of people will tell you that payday loans have a drastically high interest rate. The truth is, the interest on a payday loan is actually very affordable. Interest is calculated using an APR, which means annual percentage rate. Since this is calculated on an annual basis, the interest that you actually pay on a payday loan is significantly lower than with other types of loans. Payday loans are paid off rather quickly, so this means you will not accumulate much debt.

Finding the Best Payday Loans

Many people are now using payday loans as way to get out of financial trouble. They can be a useful way to get money in an emergency, but they do differ in what they offer. With a lot of companies offering them, it is important to make sure that you are getting the best deal.

One way of finding out what deals are available to you is to search on the Internet. However, you will find that with so many companies offering them, you may find the task extremely daunting. There are places where you can compare payday loans such as www.comparepaydayloans.co.uk/ which make the task a lot easier. You will be able to find out how much the companies lend, what they charge, what their interest rates and fees are at a glance.

Payday Loans uk
Many people do not like this sort of wage day advance because they think people just see it as an invitation to get money here and do not think of the consequences. However, if you spend some time looking for the right loan for you and make sure that you only use one if it is an emergency, then it will be suitable.

You need to make sure that the loan you use does not cost you too much money. You also need to make sure that the repayment can be made on time. If you think it will not be, then you will need to speak to the various companies to find out whether they can accommodate you. Some may allow you to make more than one repayment, but the cost is likely to be higher.

It is therefore very important to think about your requirements and then think about which companies will fit them. It can be tempting to go for the most well known brand name, the company who has the best adverts or the one with the lowest price. Although the cost is important and the brand name can be too, there are other factors as well. There are costs of not paying the loan back in time, there is the friendliness of the company, how useful customer services are and how flexible the company are which could all be important to you as well.

Reading reviews and asking around can be a great way to find out which payday loan company might be the best one for you. Just make sure that you are aware of your needs so that you will be able to know whether the company will be able to fit them. All companies are different and so you are bound to find that one will be better for you, than the rest.